Mortgage origination Conventional loans is at $1,344 Bn in 2015. Forecast for 1st quarter of 2016 is $295 Bn and will increase to $458 Bn in last quarter of 2016. Forecast for 1st quarter of 2017 is $298 Bn and will increase to $303 Bn in last quarter of 2017. Forecast for 1st quarter of 2018 is $249Bn and will increase to $305 Bn in last quarter of 2018

Mortgage origination for FHA and VA decreased to $99 Bn in 1st quarter of 2017 compared to $132 Bn in the 4th quarter of 2016. Forecast for 2nd quarter of 2017 will be $105 Bn and forecast for last quarter of 2017 will is $87 Bn. Forecast for 1st quarter of 2018 will be $75 Bn and last quarter of 2018 will be $96 Bn

Mortgage origination Total increased to $1,750 Bn in 2015. Forecast for 1st quarter of 2016 is $390 Bn and upto $590 Bn in the last quarter. Forecase for 1st quarter of 2017 is $397 Bn and $389 Bn in the last quarter of 2017. Forecast for 1st quarter of 2018 will be $324 Bn and last quarter of 2018 will be $402 Bn

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1) Taxable income needs to have dropped 20%+ before the Bankruptcy,Short Sale,Deed In Lieu,Foreclosure.Lets say BK was in 2013,was the taxable income in any one preceding year 20%+ less than the immediate previous year .